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Prior to October 1, 2011, the debit card processing rates (debit interchange rates) were set by Visa/MasterCard at 0.95% $0.20 for Visa and just 1.05% $0.15 for MasterCard. Workers, but Government led by Senator Richard Durbin intervened and under the Dodd Frank Wall Street Reform and Consumer Protection Act reduced the debit interchange rates to 2.05% $0.22.
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